Best Cheap Car Insurance for First-time Drivers in Massachusetts

Everyone has different tastes in autos, and the style of vehicle requiring insurance is one of the main factors when trying to find the best cheap car insurance for first-time drivers in Massachusetts. Vehicles with high performance features, poor crash test ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer, lower-performance models.

The tables below showcases auto insurance prices for a number of the more afforable automobiles to insure in Massachusetts.

Price data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific Massachusetts garaging location which can raise or lower insurance rates greatly.

Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in zip code location which can influence premiums greatly.

Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in zip code location which can change coverage rates considerably.

Deciding which company has the cheapest insurance rates for first-time drivers involves a bit more work than just picking a company at random.

Every insurance provider uses their own method for establishing rates, so we will examine the insurance companies that tend to be cheaper in Massachusetts. It’s a good idea to be aware that Massachusetts insurance rates are impacted by many things that will increase or decrease your annual premium. Improving your credit score, increasing liability limits, or having a fender bender can trigger changes in premium that may make certain companies more affordable than competitors.

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State Farm may have some of the best car insurance rates in Massachusetts at around $741 annually. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also qualify as some of the best Massachusetts car insurance companies.

In this example, if you currently have a policy with Commerce Group and switched to State Farm, you could earn an annual premium reduction of roughly $134. Policyholders with OneBeacon might save as much as $171 a year, and Arbella insureds might realize rate reductions of up to $259 a year.

Bear in mind that those premiums are averages across all drivers and vehicles in Massachusetts and and are not calculated with a price increase for first-time drivers. So the car insurance company that is best for you may not even be in the list of companies above. That affirms the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

When shopping for cheaper car insurance for new drivers, one of the many criteria that is used to help calculate the cost of insurance is where you keep your car in Massachusetts. Regions with more people or even just more weather-related claims like Revere, Springfield, and Malden tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims receive better rates.

The table below illustrates the most expensive places in Massachusetts for first-time drivers to purchase auto insurance in.

Price information shown is comparative as the specific zip code location can increase or decrease price quotes considerably.

Discounts on the best cheap car insurance for first-time drivers in Massachusetts

Insurance companies that provide coverage for first-time drivers may have price discounts that can reduce rates by 25% or more if you qualify for them. A list of companies and some of the discounts include:

• State Farm may offer discounts for multiple policy, good driver, passive restraint, accident-free, defensive driving training, good student, and Drive Safe & Save.
• Liberty Mutual discounts include preferred payment discount, hybrid vehicle, multi-car, new move discount, safety features, and teen driver discount.
• American Family includes discounts for good driver, early bird, good student, bundled insurance, and TimeAway discount.
• Progressive may have discounts that include continuous coverage, online quote discount, multi-policy, homeowner, multi-vehicle, and good student.
• Farmers Insurance has savings for mature driver, electronic funds transfer, early shopping, alternative fuel, good student, teen driver, and homeowner.
• Auto-Owners Insurance has discounts for safe vehicle, paperless, student away at school, anti-lock brakes, safe driver, multi-policy, and air bags.
• SAFECO offers premium reductions for teen safety rewards, drive less, multi-car, bundle discounts, and anti-theft.

The example below illustrates the comparison of auto insurance rates with and without discounts applied to the policy premium. The premiums assume a male driver, a clean driving record, no claims, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with good student, vehicle safety, passive restraint, paid-in-full, paperless filing, and continuous coverage discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for first-time drivers is 28% or $676.

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Finding a good quality auto insurance company can be difficult considering how many companies provide coverage in Massachusetts. The company ratings in the next section may help you choose which coverage providers to look at when insurance shopping for first-time drivers.

These ratings only include companies with a nationwide focus, so companies that have a smaller presence are not included in the list. To get rate quotes from the most competitive companies in Massachusetts, click this link.

How to find cheaper insurance for first-time drivers

It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help you buy lower-cost auto insurance.

• Increase physical damage deductibles
• On older vehicles, drop full coverage
• Increase your credit score
• Safer vehicles generally have cheaper insurance rates
• Maintain a clean driving record
• Accident-free drivers may qualify for discounts
• Shop around once a year for cheaper rates

That final tip is very critical, as was affirmed in this piece. Auto insurance rates change constantly, so don’t be hesitant to buy a policy from a new company if a more affordable rate is found.

Many consumers stick with the same company and that’s fine, but we do not recommend it if that devotedness results in you overpaying hundreds of dollars year after year. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for first-time drivers.